Sure. I'll answer just quickly.
In terms of the GIS, whenever you extend the GIS, as Virginia just said, by $18 or $29 a month, what happens is that you bring in a lot more people, and that's why it's very costly. You have a tail moving out there, and the population is actually distributed more like this, so the more you move the tail out, the more people you pick up. That's why those are very costly. It's not just adding $18 for each person already in the system; it brings a lot of people into the system.
In terms of the CPP survivor benefits, it's currently 60%. That is also integrated with your own benefits, so the maximum you can receive is your full retirement benefit.
In terms of stay-at-home moms and CPP, there has been a lot of work done on that. At various times we've asked the actuary to look at that, and the actuary tends to come back to us and say, “How would you define who was eligible and what they would pay? What is the rate of income that you would charge the mom? Would they have to pay single premiums or double, the full premium?” There are a lot of technical questions associated with that—differences in the cost, the effectiveness—and then there's the question of whether or not people would actually want to apply for that.